casamed hmo or casamed pharm — Region 3, St. Gallen
Region 3, St. Gallen: with Vivao Sympany, casamed hmo costs CHF 448.90 a month in 2026 and casamed pharm CHF 462.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
casamed hmo is the cheaper of the two here: CHF 157.20 saved per year against casamed pharm, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
casamed hmo is a "Group practice (HMO)" model. casamed pharm is a "Family doctor" model.
- casamed hmo
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- casamed pharm
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | casamed hmo | casamed pharm | Gap per year |
|---|---|---|---|
| 300 | CHF 448.90 | CHF 462.00 | CHF 157.20 |
| 500 | CHF 437.30 | CHF 450.40 | CHF 157.20 |
| 1'000 | CHF 408.10 | CHF 421.20 | CHF 157.20 |
| 1'500 | CHF 378.90 | CHF 392.00 | CHF 157.20 |
| 2'000 | CHF 349.80 | CHF 362.90 | CHF 157.20 |
| 2'500 | CHF 320.60 | CHF 333.70 | CHF 157.20 |
The comparison, region by region
- casamed hmo or casamed pharm?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.